If you don’t make at least the minimum payment to your credit account by the payment due date, the interest rate on your credit card may go up and your credit score may be affected.

If you’d like to set up automatic payments to your credit card to help avoid missing a payment, you can set up:

• AutoPay
• Recurring bill payments
• Recurring transfers

To get help with a missed payment, connect with Scotia chat and type "payment issues."